Renew

Unlike your auto insurance, your home insurance policy is not automatically renewed.

Very often, insurers will send a renewal notice 30 days before the policy expiry date, but they’re not required to do so. To make sure you’re always well protected, write down the home insurance policy maturity date in your agenda.

Don’t intend to renew your home insurance policy with your current insurer? Let him know!

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Modify

Have you made major renovations to your home? It’s important to let your insurer know to make sure your coverage still reflects the value of all the property you own. These improvements might even lower your insurance premiums! 

And don’t forget to tell your insurer that your partner now lives with you! The policy should be drawn up in the names of everyone who’s living in the house to make sure everything’s adequately covered. 

Take the quiz to see what key information you need to give your insurer when you renew your home insurance policy.

Cancel

You have found a home insurer who is offering a lower premium and want to cancel your policy with your current insurer? You can cancel your insurance policy at any time and for any reason.

To do so, you must send a written notice to your insurance agent or broker. However, you may be charged a penalty. (The longer the remaining policy term, the higher the penalty.)

Your insurer also can decide to cancel your insurance policy if, among other reasons, you have not paid your premium. If this is the case, your insurer must send you a written notice and the cancellation will take effect 15 days after the notice is received. The insurer will reimburse you a portion of the premium, where applicable, for the non-used portion of the policy.

Home prevention

Prevent water damages from outside

Water damage is the leading cause of home insurance claims in Quebec. See what are considered good practices around the house.